We're considering our options with refinancing out of our money loan, possibly into a DSCR.

Then when your promotion rate is expiring, you move the remaining balance into a lower interest option.

What's my options without having to put 25% down?

It has been running as a short term rental and is under water and I can not afford to hold it.Anyone willing to help me figure out options to sell or give up this property so I can start rebuilding my finances?

I recently began my journey as a Mortgage Loan Officer with loanDepot, where I help clients find the right financing solutions for home purchases, refinances, and investment properties.Before transitioning into mortgage lending, I spent years in institutional finance and trading, where I developed a strong foundation in markets, risk management, and client service.

Is there anything to do to stop filling the QBI loss column and move them to losses that help?

Quote from @Mary Jay: @Mary Jay While I can’t tell you exactly how much your tax will be, I can help clarify how the gain is generally calculated.When you sell a rental property, your taxable gain is based on the difference between your sale price and your adjusted basis; not on how much you owe on the mortgages.Your adjusted basis starts with your purchase price, plus certain closing costs (if they weren’t deducted previously), plus the cost of any capital improvements you’ve made over the years (like renovations or additions).The gain is your sale price minus that adjusted basis.From that gain, you’ll also have depreciation recapture, meaning the total depreciation you’ve taken (or should have taken) while the property was a rental is taxed separately.

that 1. the magnitude of a typical down payment + closing costs gets underestimated, and 2. the amount of true, net cash flow in the first few years of ownership gets overestimated (as it's typically zero, or negative.)Does that help?

You also give up the option of selling with the owner occupied tax exempt if they are rentals before they are your primary home.

Quote from @Vespa Trixie: I dont know if this will help but, I have contacted my tax guy.